Tips to find cheap auto insurance coverage

By Hayden KruegerPublished: Wednesday, December 30th, 2009

The best way to look for auto insurance coverage is to look for it online. There are a number of websites; some of them by the insurance company themselves and some by third party search engines dedicated to auto insurance.

Go online and apply for a free quote, this is the fastest way to get an idea of what exactly your auto insurance is going to cost you. You have to first ask around as to which insurance company is the best. And then you request the company for a quote. Once you get a couple of quotes, you can short list your companies based on which ones best suit your budget and requirements. It is important to shop around as it is only by this way that you can get yourself the best deal.

Once you have short listed a few companies, you must then approach them for a one on one meeting. Usually the company will try to contact you on their own as soon as you file for a free quote. It is here that you can actually discuss all your needs and get acquainted with the intricacies of the insurance policy being offered. This first meeting also helps you get a personal relationship going with your agent. This is important, because it is the agent who will be your single point of contact for the rest of the years as long as you remain with that particular company. He will first help you make the deal and then in the end he will even help you claim reimbursements from his company.

Always be honest to the agent. Never lie or keep information undisclosed. This will result in you getting a quote which may not be precise. Because, what you write on the agreement is going to be final. If even a single piece of information is found to be incorrect it will result in the entire agreement becoming void. And you would not get any reimbursement in case of an accident.

The deal you get will depend on a number of factors, most of which you cannot control in a span of a few days or months. For example, your driving record is something that is built up over the years. You cannot drive safely for a month and say that you would like to qualify for a good driver award.

Insurance companies basically want to know that you are a responsible driver. And it is important that you some how convey this fact to them. How you do that is basically left to your imagination!

A bad driving record is a sure fire way of making your insurance premium go up through the roof. And the only way to reverse this is by making serious amends to your driving style. You can also enroll yourself in a defensive driving class and show that you are committed about safe driving.

Also your insurance premium can be reduced by driving a safe car. Sports cars command a high insurance premium. This is because sports cars in general are considered to be unsafe and hence a greater risk to the insurance company. You can avoid paying a high premium by choosing a car which is not so popular or known for its speed.